Mr. Joseph R. Tomkinson, also known as Joe, has been the Chairman of Impac Mortgage Holdings Inc. since April 1998 and has been its Chief Executive Officer since August 1995. Mr. Tomkinson Co-Founded Excel Mortgage Servicing, Inc in 1995 and serves as its Chairman and Chief Executive Officer. He has been the Chairman of the Board and Chief Executive Officer of Impac Funding Corporation (IFC) since 1995, also known as the mortgage operations and of Impac Warehouse Lending Group Inc., also known as the warehouse lending operations, since 1995. From February 1997 to May 1999, he served as the Chairman of the Board and Chief Executive Officer of Impac Commercial Holdings, Inc. (ICH) from 1997 to May 1999 and Impac Commercial Capital Corporation (ICCC), ICH's conduit operations. He served as the President and Chief Operating Officer of Imperial Credit Industries, Inc. (ICII) from January 1992 to February 1996 and from 1986 to January 1992, he served as the President of Imperial Bank Mortgage, one of the divisions that later was combined to become ICII in 1992. Mr. Tomkinson has 28 years of combined experience in real estate, real estate financing and mortgage banking to IMH. Mr. Tomkinson has been the Chairman of the Board and Chief Executive Officer of RAI Advisors, LLC since it's inception. From August 1995 to April 1998, Mr. Tomkinson served as a Vice Chairman of the Board of IMH. He has been a Director at Impac Mortgage Holdings Inc. since August 1995. He has been a Director of Impac Warehouse Lending Group Inc. since 1995. He serves as a Director of Impac Funding Corporation. He served as a Director of ICII from December 1991 to June of 1999. He served as an Unaffiliated Director of ICH since it's formation in 1997 and was a Member of the Audit Committee. He served as a Director at BNC Mortgage, Inc. since February 1998. He served as a Director of ICII since December 1991. He graduated with a Bachelor Science degree in 1969 from Seattle University.